Diminishing Musharaka — co-ownership financing, end to end.
A simple, five-step path to ownership with transparent payments, documented agreements, and the freedom to settle early.
A simple, five-step path to ownership.
- 01
Choose Your Property
Identify the home you want to purchase.
- 02
Co-Purchase
You and Blue Rock acquire the property together.
- 03
Monthly Payments
Pay rent on the financier's share + buy equity.
- 04
Gradual Ownership Transfer
Your share grows; financier's share shrinks.
- 05
Full Ownership Achieved
Title is fully yours, free and clear.
Two transparent components — every month.
Your monthly payment is split clearly so you always know what builds equity and what is a usage fee on the share you don't yet own.
Base Rent Payment
A usage fee on the financier's share of the property.
Equity Purchase Portion
Increases your ownership share over time, payment by payment.
Conventional Mortgage vs Diminishing Musharaka
| Aspect | Conventional Mortgage | Diminishing Musharaka |
|---|---|---|
| Structure | Loan with interest | Co-ownership model |
| Ownership | Bank lien on title | Joint ownership |
| Interest | Yes | No |
| Risk | Borrower only | Shared risk |
| Outcome | Debt-based | Ownership-based |
Every transaction documented and reviewed.
Co-ownership Agreement
Ijara (Lease Agreement)
Wakalah (Agency Agreement)
Asset Purchase Agreement
Wa'd (Promise to Purchase)
See exactly how the split looks.
For a property priced at $800,000, you begin by contributing 20%. Over time, your monthly equity purchases bring you to 100%.
Talk to an advisorProperty Price
$800,000
Gradual buyout continues until you reach 100% ownership.
No penalties. Just freedom.
Buy out the financier's remaining shares whenever you're ready — the lease ends automatically the moment you reach full ownership.
Own your home outright — on your timeline.
Early settlement allows full ownership before the contract ends by purchasing the remaining shares early.